Protecting your pet!
Pet cover is
an important way to help you protect the health of our favourite
furry family members. It's easy to overlook when your pet is
healthy, but waiting until they're seriously sick could be too
late. So when is the right time to take out pet cover? There are a
few factors that can help you determine this.
The age of your pet can determine when to start your pet cover
policy. Both Accident and Illness Cover and Accident Only Cover
require your cat or dog to be at least eight weeks old before you
can apply Once your pet is covered, you can take them to see any
vet licensed to practice in Australia to receive the care they
Some policies even allow you to include Routine Care to ensure
they are covered for part of the cost of vaccinations, worming
treatments and medical health checks. Plus, some policies
include extras like Emergency Boarding and Essential Euthanasia at
Accident Only Cover does not have an upper age limit, but
Accident and Illness Cover can only be applied for if your cat or
dog is under nine years of age. Be sure to get cover for your pet
before that age, because chances are they'll require more medical
care the older they get.
Once your cat or dog is insured, your pet health cover is
guaranteed to be renewed throughout your pet's life, provided there
is no break in cover.
Waiting periods and limitations
Accident and Illness Cover generally comes with a 30 day waiting
period, while Accident Only cover offers instant cover for most
accidents with no waiting period. For both types of pet health
cover, there is a six month waiting period for cruciate ligament
injuries, but these may be waived at your insurer's discretion.
There may also be some exclusions (things you can't claim on),
like pregnancy, elective procedures and pre-existing conditions. Be
sure to read the product disclosure statement carefully prior to
taking out pet insurance to find out the full details of the cover
What Does Pet Insurance Cover?
Depending on the pet cover policy that you select, you can claim
up to 80% of your eligible vet bills up to a maximum benefit of
$12,000 per year.
cover premiums start for less than $1 a day, and it's the most
affordable way to ensure the best medical treatment for your cat or
dog when they need it most.